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Callahan Bowl III

This past weekend was an exciting two days of football. It all began on Saturday night with the Hula Bowl, a collegiate all-star football game sponsored by America’s Credit Unions. It was thrilling to see the nation’s best college football players showing their support of their hometown credit unions by wearing the “America’s Credit Unions” logo on their jerseys.

On Sunday, the Philadelphia Eagles played the Atlanta Falcons for the NFC Championship. This was followed by the Pittsburgh Steelers playing the New England Patriots for the AFC Championship. As in the previous two years, we set up our credit union performance model to predict who would win these two games and the Super Bowl.

In our model, we examine seven ratios to determine the financial strength of the credit unions in each team’s respective city. In previous years we examined the credit unions in each team’s respective state, but we had to make a slight modification to account for the possibility of an All-Pennsylvania Super Bowl. For the third consecutive year, we correctly predicted the winners of both conference championship games!

Share Growth

Loan Growth

Loan/Share

Member Growth

Capital/Assets

Delinquency

ROA

Score

Pittsburgh

1.70%

-0.71%

55.33%

-0.45%

14.12%

1.49%

0.64%

2

0.29%

1.98%

60.79%

-1.03%

14.55%

1.11%

0.70%

5

Share Growth

Loan Growth

Loan/Share

Member Growth

Capital/Assets

Delinquency

ROA

Score

Philadelphia

8.86%

11.48%

67.61%

2.34%

10.91%

0.89%

1.28%

5

Atlanta

2.83%

7.58%

51.03%

0.19%

13.37%

0.66%

1.02%

2

For Super Bowl XXXIX, we predict the Philadelphia Eagles will defeat the New England Patriots. Though the Eagles are seven point underdogs, Philadelphia credit unions are experiencing strong growth and high Return on Assets and we feel that these will be their keys to success.

Share Growth

Loan Growth

Loan/Share

Member Growth

Capital/Assets

Delinquency

ROA

Score

New England (Boston)

0.29%

1.98%

60.79%

-1.03%

14.55%

1.11%

0.70%

1

Philadelphia

8.86%

11.48%

67.61%

2.34%

10.91%

0.89%

1.28%

6

To get a preview of 4th quarter data and trends, participate in our First Look program. To get involved, send your 5300 call report in XML format to 5300@callahan.com

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Comments

Two points. One, last year you predicted Carolina would win. Two, the better TEAM will win and from my viewpoint that is the Patriots.

Anonymous

It got good info

Anonymous

The Pats have to win. All we have up here in New England is snow, cold, and more snow. We need a little sunshine or a Pats win to brighten our days.

Anonymous

good article, but i trust your analysis more for credit unions than i do football.

Anonymous

Your data is accurate but your methodology is suspect! Oh by the way if you want to protect your personal ROA take the Pats and feel free to give the 7 points.

Anonymous

This system works exceptionally well except for every Super Bowl in which it's been tried where, it seems, it is less important which city has the best credit unions, and, more important.....you know....which city has the best football team!
Thanks from Titletown for your thoughtful analysis.

Anonymous

im a new rep at a c transit f c u..im learning all i can about the unions and found this article..its hilaraious...

Anonymous

Mcdonald’s faces at least three lawsuits claiming the fast-food giant misled the public